Contactless payments

Contactless payments

How to pay by contactless with
your AA Credit Card

Paying with your contactless AA Credit Card

Contactless payment functionality is the latest in payment technology and is now an added benefit of your AA Credit Card.

  • Contactless symbolUsing the same safe and secure technology as chip & PIN, contactless is a faster, more convenient way to pay for purchases of £20 and under using your AA Credit Card. Wherever you see the contactless symbol below, just hold your credit card up to the reader and wait for the green light. Simple as that.
  • Contactless payments mean you don't need to insert your card or enter your PIN, so the transaction is much quicker. It's another convenient alternative to cash, too. No rummaging for notes and coins – or waiting for change.
  • With your AA Credit Card you will also earn reward points when you make contactless payments with your card.
  • Contactless indicatorIf you've received a card from us recently it will be contactless enabled, but you can tell if you have a contactless credit card by checking if it has the contactless indicator on the front of it.
  • If your purchase is over £20, continue to use chip & PIN for your transaction.


  • More and more places are starting to accept contactless cards in both the UK and at most contactless retailers around the world.* From coffee shops to buses the list is growing, making it easier to pay for the essentials in life.
  • Contactless symbolJust remember to look out for the contactless symbol when you're out shopping.
  • For more details of where you can use your contactless card click here
  • Contactless payments are secured by the same technology behind chip & PIN and are only for purchase of £20 and under.
  • Contactless cards only work when they are close to the reader (within 4cm) so there's no chance of you accidently paying for someone else's shopping.
  • For extra security, occasionally you may be asked to make a chip & PIN transaction instead and enter your PIN. This is nothing to worry about and is for extra security to make sure the card is still in your safe possession.
  • Just like chip & PIN transaction you will still be covered for any fraud on your account from contactless transactions as long as you tell us as soon as possible if your card is missing or there are any transactions on it that you don't recognise.

How it works


Look out for the contactless symbol when you're out shopping and making a purchase of £20 or under.


Tell the retailer you would like to pay with your contactless card and simply hold it against the card reader to make your payment.


The card reader will confirm that your transaction has processed successfully and you'll see a green light or hear a beep. Your transaction is complete. If you need a receipt just ask the retailer.

* AA Credit Cards featuring contactless technology are designed for use in most countries around the world. However there are a small number of contactless terminals in the United States which use a security mechanism not supported by our card provider. If you attempt a contactless payment at one of these terminals it will be declined, however you will still be able to perform a standard swipe transaction at these retailers.

The Terms and Conditions which apply to your credit card will apply when making contactless payments. We may change your Terms & Conditions or add new ones at any time, but if we do we will always tell you when we do.

Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.

AA Financial Services Limited trading as AA is not an independent financial services provider and is acting as a credit intermediary and introduces customers to MBNA as its exclusive Credit Card partner.

The AA Credit Card is arranged by AA Financial Services Limited (AAFS), registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire, RG21 4EA. AAFS is an Appointed Representative of Automobile Association Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority, registered number 525013.

The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services, and authorised and regulated by the Financial Conduct Authority for general insurance business. MBNA's consumer credit activities are licensed by the Office of Fair Trading. Credit is available, subject to status, only to UK residents aged 18 or over. Calls may be monitored and/or recorded for quality and training purposes and for compliance with regulations.